Lexus GS 350 Insurance Rates

The average insurance rates for a Lexus GS 350 are $1,262 a year with full coverage. Comprehensive insurance costs around $270, collision costs $466, and liability costs around $390. A liability-only policy costs as low as $438 a year, with high-risk insurance costing $2,728 or more. Teenage drivers cost the most to insure at $4,708 a year or more.

Average premium for full coverage: $1,262

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all GS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance rates.

The examples above demonstrate why everyone should compare prices for a specific zip code and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details estimated Lexus GS 350 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $725
• Using higher $1,000 deductibles will save about $170 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,262
• Using pricier low deductibles for physical damage coverage will cost an extra $320 every year
• Drivers who are prone to accidents and violations could pay at least $2,728 or more
• Policy cost for full coverage for a teen driver for full coverage can be $4,708 or more

View Chart as Image

Car insurance rates for a Lexus GS 350 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Lexus GS 350 insurance prices. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,700 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. Lexus GS 350 insurance for high-risk drivers can be as much as 45% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Lexus GS 350 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the coverage data touched on above.

• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $500 each year
• Teenagers are the costliest to insure, as much as $392 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations pay an average of $1,470 more every year for car insurance